Midland National review: stay away 11

All of these Midland complaints should have one name on them: Eric Castaneira.

I'm writing just to offset this troll above who puts a negative review of Midland on every site he can get his grubby hands on. Now that Eric Castaneira is out of prison for holding the Midland VP hostage at gunpoint, and he has unsuccessfully tried to sue Midland, so now he's moved on to slander and libel. This bottom feeder is actually blacklisting Midland agents by name on his website.

Just search Eric Castaneira and you'll see.

Is that the same Eric Castaneira whose Family was threatened by Midland for blowing the whistle on them? The lawsuit he filed (Castaneira v. Midland National Life Insurance, et al; Civ #10-4039, United States District Court, Southern District of South Dakota) is posted at www.midland-national-life-review.com. Is this the same Castaneira that Midland signed a settlement agreement with and then broke their promise?

Here are a few excerpts from it:

Despite all of Midland’s claims of improper behavior on Castaneira’s part they offered to reinstate Castaneira’s contract and return all of the commissions they had withheld if he would drop his lawsuit against them. Castaneira refused to consider this until Midland agreed to objectively review and investigate their sales practices.

In mid August, 1991 Castaneira was made aware of a telephone call between two individuals that he believed to be Wilson and William Rigsbee (hereinafter “Rigsbee”), then president and CEO of Midland, in which the subject of harming Castaneira or Castaneira’s family was raised to prevent Castaneira from causing any further trouble.

In 1997 the IRS filed a tax lien against Castaneira for income on commissions he was supposed to be receiving from Midland; however, Castaneira had not received a check from them in over seven years.

An attorney contacted Midland on Castaneira’s behalf for an explanation and Midland, an insurance company that is required by law to know where every dollar is at every moment, took 42 days to respond that they had approximately $50, 000 in commissions they had been holding for Castaneira. They also could not explain why they had been served an IRS lien on any money in their possession over one year earlier but had not disclosed the money to the IRS in violation of the law.

In mid summer, 2003 Castaneira was made aware of a recording of a telephone call in which individuals affiliated with Midland and their private investigators openly discussed their frustration with Ligtenberg’s inability to “get the job done” and whether Castaneira “should be dealt with”. The tone of the conversation made it very clear to Castaneira that the context of the conversation was a discussion of serious harm or death, and he took preventive measures for his security.

In November, 2003 Midland again became serious about reaching a settlement, and in December Castaneira signed a settlement agreement titled “Mutual Release” (hereinafter “settlement”) with Midland that provided for structured payments of over $166, 000. As part of the agreement Midland agreed to advocate Castaneira’s ability to leave South Dakota and later qualified the extent of their efforts as “whatever was necessary”.

Midland insisted on a “non disclosure” clause in the settlement that would prevent Castaneira from making public Midland’s payment and the fact that the settlement included the following language “There have been…disputes and differences... Castaneira and Midland have now agreed in consideration of the terms hereinafter set forth in this agreement, to settle all disputes and differences between them."

Yep, that’s the kind of life insurance company I would defend!

Has anyone seen ONE WORD anywhere on the internet of Midland National denying any of these complaints or allegations? With as much damage as this story is causing them, and with the army of lawyers they have hired, why haven’t they gone to court to stop all of these complaints if it they weren’t true?

While you were ranting about Castaneira being a “do gooder” you failed to mention that Midland has been sued by thousands of its customers in at least six different states for ripping them off. The Minnesota Attorney General sued them for the same thing.

Midland National agents have been given the opportunity to make this public pledge:

ETHICS PLEDGE

I will not promote, endorse, or sell any life insurance, annuity, or investment products for, or on behalf of, Midland National Life Insurance Company, North American Company for Life and Health, Midland Annuity, or Sammons Financial Group until those companies agree to resolve in a fair and equitable manor all outstanding policy and contractual litigation and disputes with their current and former policy holders and agents.

How can any HONEST life insurance agent have a problem with that?

Perhaps you should spend less time complaining about people that have made an extraordinary personal sacrifice in warning consumers and spend more time becoming an ethical insurance agent.

Be aware that Eric Castaneira wrote the original complaint above. Eric Castaneira is a dangerous violent felon. He is unable to leave the State of South Dakota by order of the Department Of Corrections and is still officially in the custody of the State Of South Dakota.

Unable to earn an honest living, this jailbird has resorted to defrauding agents by selling fraudulant "leads" to legitimate life insurance agents nationwide with his web site www.lifeleads.net. He is currently under investigation by The South Dakota Department of Insurance as well as The South Dakota Attorney General's Office.

It should not be long before he occupies another jail cell, but as long as he can somehow manage to get computer access he will continue to post sad rants against Midland National Life.

I am not a representative of Midland National Life, and they may be the worst company in the insurance business for all I know, but rather than take the word of maybe the single biggest loser in the State Of South Dakota, a loathsome con man, call your state's Insurance Department and ask.

Ladies and gentlemen, I present to you a Midland National Life insurance agent.

NOW you can understand why HONEST life insurance agents are refusing to sell Midland National products anymore.

Is that the same Eric Castaneira whose Family was threatened by Midland for blowing the whistle on them? The lawsuit he filed (Castaneira v. Midland National Life Insurance, et al; Civ #10-4039, United States District Court, Southern District of South Dakota) is posted at www.midland-national-life-review.com. Is this the same Castaneira that Midland signed a settlement agreement with and then broke their promise?

Here are a few excerpts from it:

Despite all of Midland’s claims of improper behavior on Castaneira’s part they offered to reinstate Castaneira’s contract and return all of the commissions they had withheld if he would drop his lawsuit against them. Castaneira refused to consider this until Midland agreed to objectively review and investigate their sales practices.

In mid August, 1991 Castaneira was made aware of a telephone call between two individuals that he believed to be Wilson and William Rigsbee (hereinafter “Rigsbee”), then president and CEO of Midland, in which the subject of harming Castaneira or Castaneira’s family was raised to prevent Castaneira from causing any further trouble.

In 1997 the IRS filed a tax lien against Castaneira for income on commissions he was supposed to be receiving from Midland; however, Castaneira had not received a check from them in over seven years.

An attorney contacted Midland on Castaneira’s behalf for an explanation and Midland, an insurance company that is required by law to know where every dollar is at every moment, took 42 days to respond that they had approximately $50, 000 in commissions they had been holding for Castaneira. They also could not explain why they had been served an IRS lien on any money in their possession over one year earlier but had not disclosed the money to the IRS in violation of the law.

In mid summer, 2003 Castaneira was made aware of a recording of a telephone call in which individuals affiliated with Midland and their private investigators openly discussed their frustration with Ligtenberg’s inability to “get the job done” and whether Castaneira “should be dealt with”. The tone of the conversation made it very clear to Castaneira that the context of the conversation was a discussion of serious harm or death, and he took preventive measures for his security.

In November, 2003 Midland again became serious about reaching a settlement, and in December Castaneira signed a settlement agreement titled “Mutual Release” (hereinafter “settlement”) with Midland that provided for structured payments of over $166, 000. As part of the agreement Midland agreed to advocate Castaneira’s ability to leave South Dakota and later qualified the extent of their efforts as “whatever was necessary”.

Midland insisted on a “non disclosure” clause in the settlement that would prevent Castaneira from making public Midland’s payment and the fact that the settlement included the following language “There have been…disputes and differences... Castaneira and Midland have now agreed in consideration of the terms hereinafter set forth in this agreement, to settle all disputes and differences between them."

Yep, that’s the kind of life insurance company I would defend!

Has anyone seen ONE WORD anywhere on the internet of Midland National denying any of these complaints or allegations? With as much damage as this story is causing them, and with the army of lawyers they have hired, why haven’t they gone to court to stop all of these complaints if it they weren’t true?

While you were ranting about Castaneira being a “do gooder” you failed to mention that Midland has been sued by thousands of its customers in at least six different states for ripping them off. The Minnesota Attorney General sued them for the same thing.

Midland National agents have been given the opportunity to make this public pledge:

ETHICS PLEDGE

I will not promote, endorse, or sell any life insurance, annuity, or investment products for, or on behalf of, Midland National Life Insurance Company, North American Company for Life and Health, Midland Annuity, or Sammons Financial Group until those companies agree to resolve in a fair and equitable manor all outstanding policy and contractual litigation and disputes with their current and former policy holders and agents.

How can any HONEST life insurance agent have a problem with that?

Perhaps you should spend less time complaining about people that have made an extraordinary personal sacrifice in warning consumers and spend more time becoming an ethical insurance agent.

Midland National Life Insurance agents must be some of the most honest, credible people, since ERIC CASTANEIRA, a lying crook, is so violently opposed to them. You can always tell someone by their enemies. Trust Midland National--slandered and libeled by ERIC CASTANEIRA FOR OVER A DECADE. Now you know for sure you can trust them.

The mind of a Midland National Life Insurance Company agent.

No wonder nobody trusts them.

Copy and paste is a wonderful thing, "Insurance_Guy"

CONSUMER WARNING - Read this BEFORE you buy from Midland National Life

This life insurance agent is licensed with Midland National Life Insurance Company or one of its affiliates.

Don't Trust Midland National Life or Midland Annuity. They have been sued all over the country for their sales practices that amount to ripping off senior citizens.

If you want to know more, just Google MIDLAND NATIONAL LIFE REVIEW or MIDLAND NATIONAL LIFE COMPLAINT or visit www.midland-national-life-review.com

Ask your life insurance agent for alternatives to Midland National. If they are unwilling to suggest any you may want to consider another insurance agent. You just have to wonder whether Midland has managed to trash whatever good name they used to have.

Midland National is part of the Sammons Financial Group and is affiliated with the North American Company for Life and Health and Midland Annuity.

Never heard of them.